Considering Recon with Discover/Barclay

Considering Recon with Discover/Barclay

Hi. I'm new to the boards and pretty new with handling credit. I'm a senior in college and just started applying for credit cards. I've recently been able to get a card with a CL of $500 from my local credit union and lines of credit from Amazon ($400) and Paypal ($300). I applied for the Discover More Student card because I thought it would be fairly easy to get approved due to my limited credit history, mid-range scores (all in the 640 to 680 range), and because I'm a student. I was given the 30 day processing answer after I applied. I checked the status a few days later and was told that I was denied. I also applied for Barclay's Apple financing and their Barnes and Noble card. They also were denied due to "too few accounts with satisfactory status." I wanted to know if anyone thought it would be wise to recon for Discover or Barclays. Thanks in advance for any advice.

Re: Considering Recon with Discover/Barclay

Yes, do a recon. There is no need for you to take the hits on your reports. If your credit is clean and you're able to explain some things, you may be approved. I was denied 2 times on my recons by Barclay and the 3rd time was when they approved. So go for it.

Re: Considering Recon with Discover/Barclay

cuwhite5 wrote:Yes, do a recon. There is no need for you to take the hits on your reports. If your credit is clean and you're able to explain some things, you may be approved. I was denied 2 times on my recons by Barclay and the 3rd time was when they approved. So go for it.

+1

Always recon, always, always, always.

There is nothing for you to lose, especially with Barclay, Discover might be a little more difficult, but either way, you already took the hit, make the most of it and RECON.

Re: Considering Recon with Discover/Barclay

Mustanglvr2006 wrote:

cuwhite5 wrote:Yes, do a recon. There is no need for you to take the hits on your reports. If your credit is clean and you're able to explain some things, you may be approved. I was denied 2 times on my recons by Barclay and the 3rd time was when they approved. So go for it.

+1

Always recon, always, always, always.

There is nothing for you to lose, especially with Barclay, Discover might be a little more difficult, but either way, you already took the hit, make the most of it and RECON.

Best of Luck, and keep us posted.

Never go down without a fight.

As mustang said, Discover might be tough but it depends who you get on the phone.

Barclay has been very good. I did a recon from $750 to $4200 and thats after talking to 4 people. I don't really take no for an answer but within reason.

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IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.